We’ve got buy-to-let lending covered from A to Zephyr

Zephyr Homeloans is a dedicated buy-to-let lender, which is focused on supporting brokers to provide a first-class service to professional portfolio landlords and other specialist property investors.

We understand that the buy-to-let market is evolving and becoming more complex, with new tax rules and regulations leading to some confusion in the buy-to-let sector, amidst underwriting and criteria changes from mortgage lenders.

At Zephyr Homeloans, we support intermediaries by staying one step ahead of the market, providing  proactive guidance and mortgage solutions that help meet the needs of landlords.

Our Products

Providing our lending criteria has been met and any information provided can be verified by our underwriters, we will consider applications for purchase or remortgage, from Individuals and Limited Companies on:

  • Standard properties
  • New Builds
  • Flats above Commercial premises
  • HMOs
  • Multi-Unit Freehold Blocks

Find out more about our products >

Read more about our criteria highlights and underwriting summary in our All About Zephyr document. Once you are ready to place a case with us check out our Application Submission Guide.

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Our Service

We aim to provide a reliable service that consistently meets your expectations. All of our underwriting decisions are made manually and we assess complex portfolio applications on a commercial basis. This approach, together with our experienced BDMs and knowledgeable back office teams means we can offer a personal, hands-on approach to case management – giving you the ability to talk to a decision maker, if you need to do so.

Read our latest testimonials to see what real brokers have to say about us.

Contact a member of our team >

Our Distribution Channels

Our products are available through a wide range of key partners – including Packagers, Networks and Mortgage Clubs. All cases must be submitted by registered intermediaries through our Online Portal – we do not provide mortgages directly to borrowers.

See details of our Key Lending Partners and find out more about submitting business to us >

Our Background

Zephyr Homeloans is a trading name of Topaz Finance Limited, an FCA regulated mortgage lender based in the UK that has been operating since 2006.  Topaz looks after the mortgages of over 100,000 customers under a range of different trading names.

Topaz is a business owned by the Computershare group – a global leader in financial services administration, working with some of the world’s leading organisations to provide a wide range of financial and governance solutions, including mortgage origination, credit management and customer services.  In the UK alone, Computershare manages £40bn of mortgage assets across 25+ clients.

Computershare also owns The Deposit Protection Service (The DPS), a familiar name to many tenants, landlords and letting agents. Launched in 2007, The DPS is the original Government-approved custodial deposit protection scheme, typically holding around £1.9 million tenancy deposits.

So, with our history and backing, we’ve a wealth of experience in the buy-to-let sector, meaning you can be confident we will deliver the quality service that you and your customers expect.